Zachary Holcomb
Knoxville
Summary
Dynamic claims adjuster with extensive experience at American Family, excelling in complex loss evaluations and coverage analysis. Proficient in Xactimate and vendor management, I deliver exceptional customer service while effectively negotiating settlements. Recognized for critical thinking and achieving favorable outcomes in high-stakes claims, ensuring compliance with insurance regulations.
Overview
11
11
years of professional experience
Work History
Claims adjuster
RYZE Claims Solutions
01.2020 - Current
- Conducted onsite field investigations and/or field re-inspections of moderate exposure personal lines claims and coordinates rebuilding of damages with contractors, various trades and architects.
- Supports and partners with Legion Excess & Surplus and Legion Indemnity on personal losses for field inspections.
- Participates in litigated and non-litigated claims.
- Completes onsite Xactimate (software tool for estimates) estimates, thorough investigations, photos, and narrative reports.
- Obtains medical reports, appraisals, estimates of property damage and evaluates bodily injury claims as needed.
- When necessary, coordinates and reviews work performed by vendors.
- Pays claims accurately based on policy provisions, state mandates and/or fee schedules.
- Authorizes and/or approves all claim payments, within granted authority, associated with the claim, which may include litigation expense.
- Opens, closes and adjusts reserves in accordance with company practices designed to ensure reserve adequacy.
- Recommends special reserves where necessary.
- Partners with Special Investigations Unit and Recovery to identify fraud and subrogation opportunities.
- Assists or prepares files for lawsuit, trial or subrogation (property, material damage, casualty).
- Prepares/reviews reservation of rights, non-waiver agreements and denials of coverage when appropriate.
- Maintains current knowledge of local industry repair procedures and local market pricing.
- Delivers an outstanding customer service experience to all internal, external, current and prospective Nationwide customers.
Claims adjuster
Pilot Catastrophe Service
01.2017 - 01.2020
- Investigate and determine coverage onsite of loss and adjusts all elements of property loss claims of moderate-high severity.
- Handle moderate- severe complexity claims assigned under little supervision.
- Investigate and evaluate onsite to resolve complex coverage and damage issues to include preparing complete estimates of repair for the covered damages.
- Explain coverage of loss, assists policyholders with itemization of damages, emergency repairs and additional living arrangements.
- Works with and may coordinate several vendor services such as contractors, emergency repair, cleaning services and various replacement services.
- Identify suspicious losses. recommend referral to siu where appropriate and may assist the siu in their investigation and settling of the claim.
Team lead (Claims adjuster)
American Family
01.2014 - 01.2017
- Investigates origin and cause of high exposure claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc. checks for prior claims and recognizes environmental exposures.
- Participates in high damage reviews (hdr) to address coverage issues and exposure. handles claim on a good faith basis.
- Handles both 1st party and 3rd party claims under multiple policy types and numerous endorsements.
- Conducts on-site inspections when needed, evaluates damages and handles claim negotiations with insureds, claimants, attorneys, public adjusters.
- Responds to customer inquiries, makes appropriate decisions and closes file as needed.
- Interprets and determines policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses. interprets claim history coverages.
- Makes independent decisions but recognizes when assistance is needed.
- Proactively provides all parties with claim process and status as appropriate, answers questions or redirects to other areas.
Education
Bachelor of Science - Business Administration
University of Tennessee At Chattanooga
Chattanooga, TN, United StatesSkills
- Xactimate
- Symbility
- Risk management
- Claims investigation
- Xactimate estimates
- Coverage analysis
- Microsoft Suite
- Complex loss
- Vendor management
- Customer service
- Claims negotiation
- Property adjusting
- Property valuation
- Verbal and written communication
- Claims investigations
- Interviewing techniques
- Data analysis
- Claims processing
- Claims trend analysis
- Coverage assessments
- Critical thinking
- Advanced computer skills
- Caseload management
- Insurance regulations
- Policy investigations
- Settlement negotiation
- Record preparation
- Legal proceedings
- Fraud detection
- Negotiation skills
- Report writing
- Risk assessment
- Estimation techniques
Accomplishments
- CPCU
- Xactimate Level 3
- HAAG Certified
- OSHA 10
- OSHA 30
Timeline
Claims adjuster
RYZE Claims Solutions
01.2020 - Current
Claims adjuster
Pilot Catastrophe Service
01.2017 - 01.2020
Team lead (Claims adjuster)
American Family
01.2014 - 01.2017
Bachelor of Science - Business Administration
University of Tennessee At Chattanooga
Similar Profiles
ZERA JUDDZERA JUDD
Claims Examiner/ Third Party Administrator at Ryze Claims SolutionsClaims Examiner/ Third Party Administrator at Ryze Claims Solutions
Luceile WaldronLuceile Waldron
Quality Assurance Adjuster at Ryze Claims SolutionsQuality Assurance Adjuster at Ryze Claims Solutions
Christian AllgoodChristian Allgood
Independent Adjuster at Ryze Claims SolutionsIndependent Adjuster at Ryze Claims Solutions
Joshua GallowayJoshua Galloway
Inventory Control Clerk at U.S. FoodsInventory Control Clerk at U.S. Foods
McLean KingeryMcLean Kingery
Associate Attorney at McKoon, Williams, Atchley & Stulce, PLLCAssociate Attorney at McKoon, Williams, Atchley & Stulce, PLLC